“Wise enough” is not quite the word for some of these points, “self-controlled enough” is. And giving bail-outs, either to individuals or big corporations, will always distort their incentives to take more risks, save less, spend more, and generally act more selfishly. If you’re going to give bail-outs, at least make sure you give more to responsible, “wise enough” people, or your recipients will experience a shrewd lapse of judgement.